2015 SGD to BAM Historical Review

YEARLY HIGH

1.3530 BAM

YEARLY LOW

1.2028 BAM

YEARLY AVERAGE

1.2829 BAM

2015 SGD to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the SGD to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on April 27, valuing the pair at 1.3530. Conversely, the yearly low was recorded on August 24, dropping to 1.2028.

This high-to-low spread represents a total annual volatility of 0.1502 BAM. From a start-to-finish perspective, comparing the January average rate of 1.2584 to the December average rate of 1.2747, the exchange rate registered a net change of 1.30% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 1.3530 was up 10.88% compared to the 2014 peak of 1.2203, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 SGD based on timing:

Yearly Peak High 6,765 BAM

2014 Average 5,820 BAM

Yearly Trough Low 6,014 BAM

Transaction Impact: A difference of 751.05 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

1.3527

1.2186

JanuMarcMayJulySeptNove

SGD to BAM Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 1.2988, compared to 1.2670 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0318 points.

H1 Avg (Jan–Jun) 1.2988

H2 Avg (Jul–Dec) 1.2670

Volatility Range Comparison

Volatility

The most volatile month in 2015 was August, with a trading range of 0.0961 BAM (High: 1.2990 / Low: 1.2028). On the other end, February was the most stable month, with a tight range of 0.0194 BAM (High: 1.2827 / Low: 1.2633).

August Spread (Volatile) ±0.0961

February Spread (Stable) ±0.0194

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 0.0489 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0489

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2015: 1.3416) against the same month in 2014 (average: 1.1295), the exchange rate shifted by +0.2121 (+18.78%).

2015 Avg (April) 1.3416

2014 Avg (April) 1.1295

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.3010	1.2212	1.2584
February	1.2827	1.2633	1.2713
March	1.3392	1.2811	1.3123
April	1.3530	1.3204	1.3416
May	1.3313	1.2938	1.3137
June	1.3204	1.2853	1.2956
July	1.3198	1.2907	1.3066
August	1.2990	1.2028	1.2576
September	1.2389	1.2190	1.2298
October	1.2741	1.2175	1.2441
November	1.3104	1.2678	1.2890
December	1.3085	1.2597	1.2747